Insurance for Hairdressers
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You’re in the business of making people look good. Having Public Liability insurance means you can keep styling and blow drying your clients even if a mishap pops up.
Why do Hairdressers need to consider Public Liability Insurance*?
As a hairdresser, you have a responsibility to maintain the safety and security of your clientele. This is because every business has risks – including yours. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.
Your Public Liability Insurance can cover your legal defence costs and settlement payment if you are obliged to provide one. You can also choose to take out Product Liability cover* as part of your Public Liability cover to protect your business if there is a claim made for third party personal injury or property damage caused by product/s your business provided.
In fact, having the right insurance can mean the difference between staying in business and having to close shop due to an accident or claim.
It can be uncomfortable to think about the risks involved in your profession but thinking about it now is the best way to make sure you’re prepared to deal with them should they come up. Here are a few general risks you may face:
- You could damage someone else’s property
- Someone is injured when you operate your business
- A client suffers an injury or becomes ill from a product you sell
Other Types of Insurance
Here are some other types of insurance that may be useful for hairdressers:
Professional Indemnity Insurance*
protects you against losses claimed by a third party due to alleged or actual negligence in your professional services or advice. Your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).
Business Insurance*
is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). It can include:
Contents & Stock Cover*: Covers your business contents and stock if they are damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy.
Building Cover*: If you own the building you work in, protect it with Building insurance which covers your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.
Business Interruption Cover*: Business interruption insurance provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It is also designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).
Glass Cover*: Covers for breakage of internal and external glass and signage you own or for which you are legally responsible, at the insured premises.
Theft Cover*: Covers you against loss and damage as a result of theft or attempted theft from your business premises. Damage to the building, locks and safes as a result of a covered event will also be covered.
Portable Equipment*: This is a common form of cover for hairdressers who visit multiple salons or client homes. Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.
What Could Go Wrong for Hairdressers?
We all like to think it will never happen to us, but things can go wrong.
Public liability can cover your business from incidents such as:
Third party injury: slips and falls and accidents are common and can happen just about anywhere. Maybe your client walks in for their appointment and slips on some product that has been spilled on the floor and breaks their ankle, and now they want you to pay for their medical bills.
Third party property damage: you get a little overzealous when applying your client’s new hair colour and the bleach gets on her designer handbag and ruins it. She wants you to pay for it.
Getting the Right Public Liability Insurance for Hairdresser
Getting the right Public Liability Insurance may seem difficult, but that is where Public Liability Australia comes in. We do the work, so arranging your insurance is quick and simple. Let us help you get the right insurance for your business at the right price.
*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.
Public Liability Insurance is a business name of BizCover Pty Ltd (ABN 68 127 707 975; AFSL 501769).
